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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,583 | $87,060-32.7% | $105,591-44.5% | $80,911-27.6% |
| Participation rate | 81.8% | 70.4%+11.4pp | 75.3%+6.5pp | 67.6%+14.2pp |
| Annual return | 15.76% | 17.05%-1.3pp | 116.43%-100.7pp | 35.63%-19.9pp |
| Employer contribution / active EE | $2,823 | $2,396+17.8% | $3,166-10.8% | $2,756+2.4% |
| Participant deferral / active EE | $3,199 | $3,986-19.8% | $5,008-36.1% | $4,297-25.6% |
| Admin fee / account holder | $3,672 | $8,442-56.5% | $11,024-66.7% | $6,935-47.1% |